Car Insurance for Mechanics

Car insurance for mechanics has average rates of $94.86/mo in premiums, less than many other occupations.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 20, 2020

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Here's what you need to know...

  • Because of the wide, complicated field of mechanics, a mechanic must constantly expand on his knowledge
  • A mechanic’s wage varies depending on their employer
  • A mechanic gains their title through vocational school and can increase their wage by obtaining a Master Technician certification

If you work as a mechanic, you may ask whether or not your occupation affects how much you pay in car insurance rates. According to information collected by the insurance industry, mechanics pay an average of $1,138.33 in car insurance premiums per year.

Mechanics pay less in car insurance premiums than many other occupations.

Business executives or owners of businesses pay several hundred dollars more (on average) than many mechanics.

Regardless of your occupation, checking your car insurance rates is one of the ways to save money on your premiums.

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Mechanic Occupations and Car Insurance Rates

Automobile mechanics routinely provide maintenance, inspection, and repair for cars and other motorized vehicles. They understand how the use of fuels– including electricity, ethanol, or gasoline– impacts the vehicle’s need for scheduled maintenance. They understand simple and complex issues related to the vehicle and its accessories, including tires.

Some mechanics work on other vehicles including:

Today’s vehicles are complicated machines, and the mechanics necessary to repair and maintain them must have an understanding of computers, electrical and electronics systems, and performance technology. The mechanic must also understand how to use and interpret sophisticated diagnostic systems and tools used to identify mechanical problems.

Today’s mechanic must continuously upgrade his knowledge base.

Some, but not all, mechanics understand repair techniques and technology required to service cars. Formal automotive training benefits mechanics employed in repairing and servicing passenger and commercial vehicles. An auto mechanic is likely to keep their own vehicle in good working order. They are likely to maintain a personal vehicle on schedule to prevent mechanical failures.

Even if the mechanic doesn’t personally repair automobiles, they may have a better than average understanding of his vehicle’s:

A mechanic understands other mechanical systems as well as the different systems in their personal vehicle better than most drivers.

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Compensation of Mechanic Occupations

According to statistics provided by the U.S. government, most automotive mechanics work a 40-hour workweek, although approximately 24 percent work more hours each week. Customer demands may require weekends or longer work periods each day. About 764,000 people held mechanic positions in the United States in 2008. The top 10 percent of automotive mechanics earn about $30 per hour, while the lowest 10 percent earn less than $10 per hour. The median wage of mechanics in 2008 was between $12 and $22 per hour.

Here are a few examples of different wages depending on a mechanic’s employer:

  • Local or municipal governments pay an average of $20.07 per hour to mechanics
  • Auto dealers pay slightly less than the government, averaging about $19.61 per hour
  • Repair and maintenance businesses pay about $15.26
  • Gas stations pay about $15.22
  • Automotive/tire stores pay less than an average $15.00 per hour

Small repair shops or dealers may pay a mechanic additional commission wages for performance of services on a time sensitive basis.

Car insurance providers understand that most mechanics earn a modest living.

Although some automotive mechanic shops earn healthy annual revenues, the average mechanic probably drives an average car. They don’t pay the highest annual car insurance premiums, such as litigators or business owners. A mechanic’s job stress is considered lower too.

Mechanic Occupation Qualifications

Many automotive mechanics receive formal training or attend a special technical or vocational program after graduating from high school. Taking auto repair, computer science, math, and sciences in high school helps to prepare automotive mechanics for a successful,

Taking auto repair, computer science, math, and sciences in high school helps to prepare automotive mechanics for a successful, long-term career. Vocational or technical programs provide classes in computer science, auto repair, mechanics, and math, and may take about two years of classroom and on-the-job training to complete.

Obtaining certifications, such as the ASE (National Institute for Automotive Service Excellence) can help the mechanic to earn more money. ASE is a uniformly recognized credential for auto mechanics and technicians. Master Automobile Technicians must score passing grades on eight exams.

Mechanic careers are projected to increase by approximately five percent between 2008 and 2018 or by about 35,900 jobs. The outlook for mechanic careers is considered stable.

The U.S. government says that most job increases for mechanics will occur in small business repair shops or car dealerships.

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